Where home, finance, and community meet.​

D&E began in the year 2000 as a grassroots response to predatory lending and housing instability. Today, we’re a HUD-Approved Housing Counseling Agency, a Freddie Mac Housing Help Center, and a domestic force for financial justice — now known as Develop and Empower USA.

Our Vision

To build thriving communities where every family has the knowledge, resources, and support to achieve financial stability and lasting homeownership

Our Mission

Our Partners

First-Time Homebuyers Looking to Buy a Home?

We offer HUD-certified homebuyer education classes online and in person. Get the knowledge—and the certificate—you need to move forward.

The homeownership journey has three key stages.
In which stage are you?

Use the tools below to prepare, purchase, or preserve your home—and let us know how we can support you.

Ready to buy a home but not sure where to start? We’ll help you build credit, boost your knowledge, and get mortgage-ready with expert guidance.

It’s time to turn your plans into keys in hand. Explore programs and workshops that help you buy smart and step confidently into homeownership.

Already a homeowner? Protect your investment with support to stay current, avoid foreclosure, and plan for long-term success.

Real Stories. Real Results.

Hear what our clients have to say about working with us.

Classes and community events

Empowerment Starts with You

Giving Tuesday is December 2, 2025

On Giving Tuesday, your support directly strengthens our programs and uplifts the families we serve. Together, we can build a stronger more empowered community.